MN Health Insurance Exchange Realities

Health insurers are shutting down for seven months. It’s virtually lights out. Unless you have a qualifying “life event,” you must wait until open enrollment begins Obamacare on November 15. A product once available year around for Americans to purchase no longer is. The entire industry now runs on the Obamacare schedule.

Rep. Darrell Issa (R.-Calif.), Chairman of the U.S. House Oversight Committee, has written a five-page letter to 10 governors, including Minnesota Gov. Mark Dayton, holding states accountable for troubled Obamacare health insurance exchanges, namely Minnesota’s exchange—MNsure. Dayton has been given until tomorrow, April 8, to reply.

Patient advocate Twila Brase, co-founder of Citizens’ Council for Health Freedom, has found unsettling and confusing problems in the health insurance exchange programs. The problems are quickly exposed by using the Minnesota state exchange premium calculator as an example.

The public will have no say over federal control of health insurance and medical care if the Minnesota Healthcare Exchange legislation (SF1/HF5) passes in its present form. The Exchange Board will be exempt from all the requirements that protect the public from runaway rulemaking.

The public will have no say over federal control of health insurance and medical care if the Minnesota Healthcare Exchange legislation (SF1/HF5) passes in its present form. The Exchange Board will be exempt from all the requirements that protect the public from runaway rulemaking.

Many health insurance agents fear the loss of their livelihood once government health insurance Exchanges are created and people begin to shop online. But Exchanges will not be simple. Thus, Obamacare established a new entity called “navigators” to assist individuals and businesses in buying coverage from federally-qualified health plans on the exchange. Health insurance agents will be only one of many groups allowed to become navigators.

Among the far-reaching powers granted to the seven-member MN Health Insurance Exchange board in the proposed legislation is the power to choose what health insurance plans you, the consumer who may be forced to buy insurance on the Exchange, are allowed to purchase.

The Minnesota Insurance Exchange legislation specifically defines the “Minnesota Insurance Marketplace” as a Board. This board would be a defacto state agency, signing IT contracts, accepting state appropriations, having a dedicated state account, overseeing health care across the state of Minnesota, and choosing what insurance options are available on the exchange.

Buried in the text of the Minnesota Obamacare Exchange bill (MNHIX) has a tiny but controversial section allowing free-flow sharing of all data the government has on you. It also grants them access to the date “other entities” have on you. There is no limit to the agencies that can share data. There is no limit to the data that can be shared. There is no limit with whom the data may be shared.

Although language for a "federal" health insurance exchange exists in Obama's reform law, it's essentially a bluff. The federal government never intended to create it. They don't want to create it. They didn't even give themselves money to create it.

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